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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,975 | $54,162-90.8% | $68,612-92.7% | $64,173-92.2% |
| Participation rate | 41.5% | 68.1%-26.6pp | 72.2%-30.8pp | 69.6%-28.1pp |
| Annual return | 7.18% | -1.62%+8.8pp | -4.63%+11.8pp | 7.63%-0.4pp |
| Employer contribution / active EE | $156 | $1,846-91.6% | $2,625-94.1% | $2,381-93.5% |
| Participant deferral / active EE | $1,180 | $2,626-55.1% | $3,311-64.4% | $3,470-66.0% |
| Admin fee / account holder | $823 | $4,029-79.6% | $5,131-84.0% | $4,887-83.2% |